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Compare interest rates, benefits and rewards. Credit is subject to status, affordability and applicable terms and conditions.

At a glance

Credit is subject to status, affordability and applicable terms and conditions.

Get travel benefits, rewards and HSBC Premier Privileges - just for HSBC Premier customers

Annual fee

No annual fee

Balance transfer

At the end of any promotional period, balance transfers will revert to the standard variable rate.[@balancetransferends]

0% for 18 months on balance transfers made within 60 days of account opening

Fee for balance transfer introductory rate

A 1.4% fee applies for each balance transferred, minimum £5

Purchases introductory rate

At the end of any promotional period, purchases will revert to the standard variable rate.

0% on purchases for 9 months after account opening

Can you apply?

Quick check

You can check the full eligibility criteria later
  • For HSBC Premier customers

  • No specific annual income / pension requirements

  • Must be a resident of the Channel Islands and Isle of Man

  • Over 18

  • Have an HSBC Premier Account


Terms and conditions apply.
  • Not applicable

Additional benefits

Terms and conditions apply.
  • Get 10% off on bookings at more than 180,000 Agoda hotels

  • Enjoy a 10% discount on selected Expedia hotels

  • Discover exclusive discounts and experiences with Premier Privileges

  • Access more than 750 airport lounges worldwide for £24 per person, per visit with Priority Pass

  • Get up to 2 years extended warranty from Domestic & General Insurance plc on selected household appliances


Terms and conditions apply
  • Exchange your reward points for a selection of Laithwaite's quality wines

  • Redeem your reward points for vouchers from M&S, Amazon and Sainsbury's

  • Convert your reward points into frequent flyer miles with British Airways, Etihad, Asia Miles and Singapore Airlines

  • Earn 1 reward point for every £1 you spend in sterling[@sterlingspend], sterling transactions, and 2 points for every £1 spent in other currencies

Representative Example

Representative APR: 18.9% APR (variable)

Purchase rate: 18.9% p.a. (variable)

Based on an assumed credit limit of £1,200

No annual fee

What's next?

Please read the full product information before you apply.


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